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TRAVEL INSURANCE Travel Insurance is insurance that is intended to cover medical expenses and financial (such as money invested in nonrefundable prepayments) and other losses incurred while traveling. or internationally. It also provides coverage for accidental death / dismemberment. . It provides coverage for medical emergencies abroad such as illness. either within one's own country. any injuries. air ambulance or any kind of medical need. It covers baggage loss or damage.
injury or disablement benefit Overseas funeral expenses Curtailment Delayed departure Loss.One should take it to cover the following risks: Medical expenses Emergency evacuation/repatriation Trip cancellation/interruption Accidental death. theft or damage to personal possessions and money Delayed baggage Legal assistance Personal liability and rental car damage excess Why take Travel Insurance .
. start researching travel insurance When you start making definite plans.WHO NEEDS TRAVEL INSURANCE Students Vacationers Employees Retirees Expats WHEN TO BUY TRAVEL INSURANCE When you start planning your trip. buying tickets or making deposits. that is when you want to purchase insurance.
ALLIANZ TRAVEL INSU .
Section A: Personal Accident Section B: Medical Expenses & Medical Evacuation Section C: Loss of Checked Baggage Section D: Delay of Checked Baggage Section E: Loss of Passport Section F: Personal Liability Section G: Hospitalization Daily allowance Section H: Home Burglary Insurance Section I: Trip cancellation Section J: Trip Curtailment Section K: Trip Delay Section L: Emergency Cash Advance Section N: Golfer’s Hole in One .
GENERAL CONDITIONS ENotification of Claims ETransfer of Interest EAssessment of Claim & Payment ESpecifically in respect of a Claim under Sections A and/or B ESpecifically in respect of a Claim under Sections C &/or D &/or E EArbitration EFraud ECancellation ESubrogation EEntire Contract EContribution .
The loss or destruction or damage to any property arising from: Ionising radiation or contamination or Radioactive. For travel to country against whom India has imposed restrictions. Any consequential losses.EXCLUSIONS Insured’s participation in naval. Insured engaging in air travel unless he flies as a passenger. Pollution. acts of foreign enemy. invasion. military or air force operations War. . hostilities. toxic. explosive or nuclear component Asbestosis or any related Sickness Engagement in any criminal or other unlawful act.
F E A T U R E S B E N E F I T S TRAVEL TRAVEL ELITE COMPANION PA & disability PA & Repatriation TRAVEL ASSIST Medical assistance in Plus Compensation Loss & of Checked case of an emergency loss of checked baggage & PA. Evacuation & Baggage & Passport Personal Liability passport Repatriation Cashless Service Compensates for trip delay Loss & delay of Checked Hospitalization exp. Inhospital medical expenses Baggage Golfer's Holeinone Preexisting medical abroad Hijack Cover home burglary conditions Trip Delay Golfer's Holeinone celebration Convalescence after Cash Advance hospitalization Medical bills in foreign Same as Travel Companion Cashless assistance currency Takes care of sudden & unforeseen expenses Convenient and hassle free trip for the family Accidental death coverage Tracks lost luggage 3000 experts to assist Concierge services 24 x 7 alarm centres .
TRAVEL TRAVEL COMPANION ELITE Travel Care Following types of plans: Travel Secure Travel Value TRAVEL ASSIST No plans. 1995 Gold=Rs. 2956 Premium=Rs.6 For 60yr 2persons s aged 50 & 60. 5958 Rs. 1736 Secure=Rs. 5596 . 2588 Platinum=Rs. 3781 Gold=Rs. Total Days=30 61 70yr s Care=Rs. 3288 Silver=Rs. 4525 Platinum=Rs. 3404 Classic=Rs. 3827 Privileged=Rs. 2249 Secure=Rs. 2959 Silver=Rs. It gives value added services to quality sensitive customers Travel Elite Travel Age Elite. Travel Corporate Elite Student Elite Travel Asia Elite Travel Elite Family Premium 0. 5039 Rs.
A AIG TRAVEL INSURAN .
changes qEffective date qRenewal conditions qExpiration date qContribution qConcealment or fraud qNotice of claim/ loss qArbitration qMedical examination qLimitations qSubrogation qDispute resolution clause and procedure qConsideration .UNIFORM PROVISIONS qEntire contract .
resulting from qAny loss. misdemeanor. revolution. hostilities qAny loss. or civil commotion qAny loss arising out of War. act of foreign enemy. damage cost or expense of whatsoever nature directly or indirectly caused by. riot. . alcohol. damage. cost or expenses is not covered by this insurance the burden of proving the contrary shall be upon the Insured. crime. attempted suicide qBeing under the influence of drugs. or other intoxicants qParticipation in an actual or attempted felony.EXCLUSIONS qWhere the Insured Person is travelling against the advice of a Physician qAny Pre-existing Condition qSuicide. insurrection. invasion. civil war.
ATA AIG office and the website is that when one cancels the policy taken onlin .PRODUCTS TATA AIG BRANCH PROVIDES: 1) Travel Guard 2) Student Guard 3) Asia Travel Guard 4) Domestic Travel Guard Website of TATA AIG provides TRAVEL GUARD INSURANCE OVERSEAS STUDENT MEDICAL INSURANCE ASIA TRAVEL GUARD INSURANCE DOMESTIC TRAVEL GUARD INSURANCE ANNUAL MULTITRIP INSURANCE aking an online application.
Emergency Travel missed departure Personal Accident 24 hrs. lost ticket admissions Lost luggage assistance reimbursements. E Repatriation E Baggage delay & loss Loss of Passport Assistance S Loss of Passport A Assistance Services T Personal Liability & PA U Hijacking &Trip Delay R Inhospital Indemnity Automaticextension of the E policy S Sickness Dental Relief Additional Features (with Family Option) ASIA TRAVEL GUARD DOMESTIC TRAVEL GUARD Medical Services family transportation provider referral cover in case of Arrangement of hospital emergencies. Medical Expenses Cover Emergency Assistance Embassy referral personal liability Emergency Medical Service personal accident services Emergency Medical Evacuation and Repatriation Evacuation Checked Baggage Loss Repatriation of remains Loss of Passport Personal Liability Checked Baggage Delay Personal Liability .TRAVEL GUARD S Medical Emergency E Assistance R Baggage Claim V Direct Settlement for in I Hospital C Medical Evacuation & F Covers Medical Exp. Worldwide Services compensations.
1757 Single trip=Rs. IUM Travel Days=29 AMO Silver plan=Rs. Travel Days=10 Travel Days=29 Silver plan=Rs. 8345 ASIA TRAVEL DOMESTIC GUARD TRAVEL GUARD Traveling against physician’s Same as Travel Guard Same as Travel advice Guard Preexisting ailments & complications arising out of them Suicide or attempted suicide War.TRAVEL GUARD E X C L U S I O N ELIGI MIN=6 months and MAX=70 MIN=6 months and S MAX=70 years BILIT years Y PREMFor two persons aged 60 & 65. 60 & 65. 491 Gold plan=Rs. illegal acts Dangerous sports etc MIN=6 months and MAX=70 years For two persons aged 60 For two persons aged & 65. terrorism. 2099 Multi trip=Rs. 5011 . 7648 Platinum plan=Rs. 5407 UNT Gold plan=Rs.
dismemberment.500. trip cancellation baggage loss and flight delays One time premium of Rs 129 for a particular trip • per passenger. accidental medical emergency. Never refund money in case of cancellations Do not provide any hotel accommodation in case of flight delays • • . passengers get paid Rs 1500 per hr • to maximum limit of Rs 10.Travel insurance policy for SpiceJet passengers from Tata AIG • • Domestic Trav’Insure Accidental death. For delays.
RELIANCE TRAVEL INSURANCE .
BENEFIT 1 Medical expenses including transportation & evacuation BENEFIT 2 – Dental treatment BENEFIT 3 – Loss of passport BENEFIT 4 – Total loss of checked baggage BENEFIT 5 – Delay of checked baggage BENEFIT 6 – Personal accident BENEFIT 7 – AD & dismemberment BENEFIT 8 Personal liability BENEFIT 9 – Daily allowance in case of hospitalization BENEFIT 10 – Financial emergency assistance BENEFIT 11 – Hijack distress allowance BENEFIT 12 – Trip delay BENEFIT 13 – Trip cancellation & interruption BENEFIT 14 – Missed connection BENEFIT 15 – Compassionate visit BENEFIT 16 – Home Burglary Insurance .
ØMinimum age =6 months: maximum age =70 years. ØMaximum number of travel days under a single trip shall be 180 days. ØPolicy start date shall be on or before the trip start date ØExtension of the Policy can be done only once ØPolicy may not be extended if a claim is already filed by the Insured ØFor professional & semiprofessional sportsmen. Settlement. the Company may charge an additional premium upto 200% ØPolicy is applicable for oneway travel :maximum duration=60 days ØInsured shall take all reasonable precautions to prevent disease ØClaim Procedure. Documentation ØObligations of the Insured /Insured Person ØTransfer and Setoff of Claims ØClaims to the insurance benefits may be neither pledged nor transferred GENERAL CONDITIONS .
alcohol vClaim arising out of mental disorder. illness & accidents that are results of war & warlike occurrence vAny act of terrorism vClaim arising from damage caused by contamination or radioactivity vClaim arising out of sporting activities EXCLUSIONS .vClaim relating to events outside of the period of insurance. vAny preexisting condition vDeductibles as specified in the Schedule.HIV related illness including AIDS vDiseases. vClaim arising by committing a crime or as a result of drugs.
SCHENGEN Customized No Medical Check up no medical checkups A Coverage of preexisting ailments 24hour cashless and Coverage D Coverage and maternity hasslefree claims V Adventurous Sports Wide duration of 182 days. settlement A Automatic Policy Coverage for extendable to 365 N Coverage available for sportsperson Extension Sportspersons T Coverage for Pre– Custom made plans A existing ailments G E Medical Expenses Medical Expenses POLI Medical bills in S Dental Treatment Personal Accident CY foreign currency Personal Accident & Liability AD & COV Takes care of Dismemberment ER sudden unforeseen AD & Dismemberment Compassionate Visit Personal Possession AGE expenses Convenient and Loss & Delay of Passport & Contingencies Value added Cover hassle free trip for Baggage Trip Delay the family Hijack Allowance RELIANCE TRAVEL CARE INSURANCE POLICY FOR INDIVIDUALS AND FAMILIES RELIANCE TRAVEL CARE INSURANCE POLICY ASIA .
1875 Platinum=Rs. Travel days=60 For 2 travellers PREMIU No estimates found travel days=30 Individual 40yrs M Standard=Rs. Received terminal prognosis People above the age of 3 0.370 years ELIGIBI Any one travelling on Schengen Visa months & People who are travelling to Asian LITY travelling abroad. 1789 Gold=Rs. 3839 . 2174 Silver=Rs. IONS waiting list for specified treatment. 2094 Standard=Rs. Travelling for availing treatment. 3264 Family Standard=Rs. 1572 Silver=Rs. countries.SCHENGEN TRAVEL CARE FOR TRAVEL CARE INDIVIDUALS AND ASIA FAMILIES Same as schengen’s Same as schengen’s EXCLUS Travelling against physician’s advice. 3388 Gold=Rs.
Sponsor Protection Accident & Sickness Medical Expenses Compassionate Visit.COMPARATIVE ANALYSIS RELIANCE STUDENT TRAVEL POLICY F E A T U R E S Medical Expenses Including Transportation & Evacuation Dental Treatment Loss of Passport Total Loss of Checked baggage Personal Accident AD & D Common Carrier Personal Liability Bail Bond Study interruption Sponsor Protection 2 way Compassionate visit Bajaj Allianz STUDENT TRAVEL PLAN Personal Accident Emergency dental pain relief Medical Expenses and repatriation Loss of checked baggage Tuition Fee Accident To Sponsor Family Visit Personal Liability TATA AIG STUDENT GUARD Study Interruption. Cancer Screening Red 24 service Relocation Service . Maternity Benefit. Personal accident Assistance Services.
War.RELIANCE STUDENT TRAVEL POLICY ELIGI min =16 years maxi=35 BILITY years. terrorism. labor work & handling explosives Travelling against the advice of a physician Receiving or are on a waiting list for specified medical treatment Travelling for the purpose of availing treatment Has received a terminal prognosis for a medical condition Preexisting diseases & complications Routine physical examination Medical expenses beyond expiry Suicide Manual work or hazardous occupation Pregnancy Experimental non standard treatment Treatment by other system Delay of baggage Loss or damage to the Insured’s passport. TATA AIG STUDENT GUARD min=16 years max=35 years. E X C L U S I O N S Bajaj Allianz STUDENT TRAVEL PLAN min =16 years max=35 years. illegal acts preexisting ailments & complications arising out of them Any loss due to engagement in armed forces. Loss caused by the Insured’s failure to guard against loss of passport .
2225 They do not provide benefits like Dental Treatment Pre existing disease coverage in emergency situations AD&D . Passport Loss. Mental and Nervous disorder.PREMIUM RELIANCE STUDENT TRAVEL POLICY RATE PREMIUM Rs. 1264 They do not provide benefits like Pre existing disease coverage in emergency situations.Common Carrier Mental and Nervous disorder Pregnancy Child care Drug and alcohol abuse Refund on early return provided there is no claim . 1068 RATE They provide B $50000 E coverage Accident & Sickness exp. Cancer screening and mammography. Special Conditions. TATA AIG STUDENT GUARD Rs. Drug and alcohol abuse. Child care. Dental Treatment N Pre existing disease coverage in emergency situations E Personal Accident & F Liability I AD&D Loss of Checked Baggage T Passport Loss Bail Bond Study Interruption Sponsor Protection Compassionate Visit Mental and Nervous disorder Pregnancy Cancer screening and mammography Drug and alcohol abuse Special Conditions Bajaj Allianz STUDENT TRAVEL PLAN Rs. Pregnancy.
. •RELIANCE travel insurance because Reliance has goodwill in market and they have newly entered in insurance sector. • Reliance provides all benefits compared to BAJAJ ALLIANZ & TATA AIG as shown in the table. strong customer retention strategy. has many tieups with travel agencies like THOMAS COOK. •BAJAJ ALLIANZ travel insurance because of its top position.People prefer buying CONCLUSION •TATA AIG travel insurance because they provide products according to suitability and standard of customers. fast Claim settlement & the documentation process. etc. Survey reveals that Indian population prefers buying BAJAJ ALLIANZ travel insurance the most.
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